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Posted by on in Bankruptcy
5 Reasons to Consider Chapter 7 Instead of Chapter 13 When filing bankruptcy, many people find that the process isn't as cut and dry as they might have heard on television, from friends, or even other family members. It's not as simple as "file this, and your debt goes away" like most people think. There are additional considerations, such as protecting assets, income, and future tax implications that all have to be considered before taking the plunge. As such, it's always best to retain a legal professional in order to guide you through this often times complicated mess. That said, for those considering bankruptcy, there are numerous benefits to filing Chapter 7 as opposed to Chapter 13 bankruptcy. However, depending on the information you provide your attorney as well as your income and what assets you intend to protect, Chapter 7 might not be an option. If it is, here are five reasons you should strongly consider it. No Repayment Plan Unlike Chapter 13, you are often free and clear after a Chapter 7 bankruptcy. This type of bankruptcy filing is the fresh start that most are looking for, and clears a huge burden from the lives of those that have fallen on hard times. That said, there are certain income restrictions for Chapter 7 bankruptcy, and if you are found to have too much disposable income, you'll often only be eligible for a Chapter 13 filing. No Debt Limits With a Chapter 7 bankruptcy, there are no minimum debt limits...
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Posted by on in Accident Law
1) The Very First Thing to Do is Make Sure Everyone in the Car is Safe and Unharmed After getting into a car accident, the top priority and the thing you should do before even thinking about anything else, is make sure everyone in the car is safe and unharmed. If anyone is seriously injured, call 911 immediately. Don't take any risks. This is not a time to guess. Calling 911 immediately could be the difference between saving someone's life or not. Don't take any chances. 2) After Everyone in the Car is Accounted For, Ensure the Safety of Others The accident has occurred, and you've made sure everyone is safe, unharmed, or getting the help they need. But now there's another problem to take care of - the safety of the road. Oncoming traffic will not be aware there's an accident ahead, and unless they are alerted in advance, one accident could become many. Turn on your hazard lights to get the attention of oncoming drivers and let them know something is wrong. After your hazard lights are on, it is time to check on the driver and passengers of the other car in the accident. Make sure you do not step out into traffic or linger in the middle of the road. Make your way over to the other car as safely as possible. If the driver or any of their passengers are injured, call 911 immediately. 3) Call the Police Even if no one in either car is...
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After owning and operating a small business for the past fifteen years, I guess I should consider myself lucky that nothing like this had happened previously. I run a small insulation business that deals with routine insulation jobs for residential as well as small to medium sized businesses in California.  As a relatively mundane job, injuries are rare, and the injuries that do occur are often nothing more than a small cut here and there. Then one job changed everything for me, and my (now defunct) business.  I should preface this story by saying that for most of the fifteen plus years I was in business I had insurance on all of my employees and even contractors that just helped us seasonally or when we had a high demand. The past couple of years had been pretty lean, and with a big payday coming in December, I had decided that October that I could afford to put off paying the premiums for a couple of months until I was back into profitability. It was a terrible mistake. I got a call at around 2 PM and was notified that one of my contractors (most of our employees were actually independent contractors) was injured after falling from a ladder when he went up to check the type of insulation that was currently in an attic. A quick trip to the hospital and a couple of broken bones later, the contractor was fine, his private medical insurance had covered the injuries, and I...
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There were nearly 3 million non-fatal work related injuries reported by employers in 2012. Getting hurt on the job continues to be a prime concern with employers around the country. It is an even more important subject for the employees, especially for those working in dangerous situations. It is crucial to understand your state's workers' compensation guidelines to ensure you are duly remunerated for your injuries. Sometimes this compensation may be your only means of getting reimbursed for the expenses incurred due to an injury. Workers' Compensation Any injury received due to work or during the course of performing one's duty at work can entitle you to workers' compensation benefits. The injuries can be anything ranging from physical injuries, illnesses or psychological stress. As long as you can prove that your injury is work-related, you can be compensated. Your employer is required by law to pay for workers' compensation benefits. In cases where you cannot initiate a civil lawsuit against your employer, this may be your only resort to get compensation. Employers are usually required to pay into the workers' compensation system by buying insurance through the state workers' compensation fund. You can ask for compensation by filing a claim with your state's administrative workers' compensation agency. Benefits of Workers' Compensation A workers' compensation fund, in most states, covers the following: Medical Bills - Bills arising out of visits to your doctor or therapist will be paid to ensure speedy recovery although the choice of doctors may be limited. Temporary Disability...
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Posted by on in Divorce
Marriage is the most sacred vow and pledge you ever make in life. Dedicating eternity with another person shows dedication and passion. However, these vows are sometimes difficult to keep as you start growing apart from one another. Growing apart from the person you once loved with all your heart can be a devastating event. However, as people grow up, they sometimes grow apart and divorce is a harsh reality. Dealing with a Divorce In the event you are divorcing or feel as though a divorce might occur, it will be vital that you begin taking charge of your life. Handling the divorce in an appropriate manner will be important and you will need to make sure that you take all precautions and steps to get your demands in the divorce. -          Call a Lawyer   When you are getting a divorce, you need to make sure that you begin by calling a lawyer. You need to have a lawyer who you will know wants you to win. Many lawyers are gender-specific in divorces and they thrive due to the nature of their passion toward it. Lawyers can help your chances of getting all the possessions in the marriage a success.   -          File for Separation   When you begin the divorce process, you will begin with separation. Filing separation means you and your spouse are living in two different residencies and are no longer obligated to one another. In the state of Tennessee, residents must be separated for 60 days...
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